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Spirit Dental offers PPO and Indemnity based dental programs. The plans have benefit structures which are similar to that of a group plan but are offered on an individual basis. The two most popular plans are the PPO plan and the Indemnity plan.

The Spirit Indemnity plans are ideal for dentists that do not participate with dental plans. The plan uses a 90% fee schedule based off the zip code of the dentist. This means that the fee schedule is 90% of what a dentist charges in that area. Preventative, Basic and Major Services are covered from Day 1. Spirit Individual Dental Indemnity Details

If the dentists participates with the Careington or Premier dental network, the PPO plan would be the more cost effective choice. The PPO plan has a lower premium and also includes Ortho coverage. Spirit Individual Dental Careington Details

American National now offers the lowest cost term life insurance on the market. They are achieving this price point with an annual renewable term product. The rates on this product do go up every year BUT it is guaranteed renewable and the price point makes it a better choice than 10 or 20 year term.

The reason why it is a better choice is because the rates do increase but the product is priced so much lower that a consumer will pay nearly 30% less with the ART product vs the 10 or 20 year product.

A quick example is the following. A 50 year old male can get $500,000 of ART with American national for $41.04 a month. (Standard health rating) The lowest cost 10 year term for that same person is $92.59 a month. In 10 years the ART will cost $85.97 a month. Do the math, there is a huge savings on the ART product.

The product can be issued up to age 65 and can be converted to permanent insurance at the same health rating up to age 65. It is guaranteed renewable to age 75.

For quotes on this product, call Crowe and Associates at 203-796-5403

ARE YOU A BROKER LOOKING TO SELL THIS PRODUCT? Call 203-796-5403 or email Edward Crowe at [email protected]

American National now offers the lowest cost term life insurance on the market. They are achieving this price point with an annual renewable term product. The rates on this product do go up every year BUT it is guaranteed renewable and the price point makes it a better choice than 10 or 20 year term. Read more

Crowe and Associates holds annuity sales training meetings every month. There is an in person meeting for those within driving distance of our Brookfield office and we also have a web based meeting. The goal is to help brokers learn to sell annuities or sell more annuities using some simple strategies.

We hold the in person meeting on the first Thursday of every month at 11:00 am. The web based meeting is the first Friday of every month at 11:00. You must register for the web meeting in order to attend. Email Ed Crowe at [email protected] if interested in either meeting.

AARP Medicare Complete is a general name given to a number of different United Health Care Medicare Advantage plans with the AARP logo. United Healthcare also offers a number of different Medicare Complete plans without the AARP logo.

United has an AARP Medicare Complete branded product in most states. In some states they have multiple plans. The AARP branded Medicare Complete plans come in three types: HMO, POS and PPO. The plans all have the same basic copay structure and more or less operate in the same manner with the only real difference being that the POS and PPO plans have out of network coverage.

Do you have other questions or do you want to see more detail on these plans? I have a number of blogs on this topic or you may contact the office for more information.

When someone first becomes eligible for Medicare, they have the choice to sign up for part B. Part B of Medicare covers physician and outpatient services at 80% after a $144 deductible. Part B doe have a cost which is $104.90 a month. (deducted out of your social security check or billed quarterly)

Should everyone sign up for part B? The answer is no. Anyone that 65 or older and actively working may get stronger coverage from their employer. If they are actively at work, they do not need to sign up for part B. They can wait until they retire and sign up then. There will not be a penalty because they are actively at work. (same goes for someone getting benefits from an actively working spouse)

If you are getting benefits but not actively at work, you will be accumulating a penalty for not taking part B when you are eligible for it. The penalty is 10% of the premium for every year you are eligible but do not elect part B. This may be a problem if you ever lose your retiree coverage and need to sign up for B down the road.

AARP Medicare Complete is a general name given to a number of different United Health Care Medicare Advantage plans with the AARP logo. United Healthcare also offers a number of different Medicare Complete plans without the AARP logo.

United has an AARP Medicare Complete branded product in most states. In some states they have multiple plans. The AARP branded Medicare Complete plans come in three types: HMO, POS and PPO. The plans all have the same basic copay structure and more or less operate in the same manner with the only real difference being that the POS and PPO plans have out of network coverage.

Do you have other questions or do you want to see more detail on these plans? I have a number of blogs on this topic or you may contact the office for more information.

Denali Dental offers dental plans on a PPO and Indemnity basis. The indemnity plan can be used for any dentist with a fee schedule that pays based off 90% of the average charge for a dentist in any particular zip code.

Most people with qualified money grapple with the inevitable tax burden that comes along with it. Deferring taxes during your highest earning years seems to make sense on the surface but you cant help but wonder if this strategy may backfire. All indicators are that the tax burden will increase, even for those in retirement. So what can you do with qualified money? Read more

People shopping for an annuity in Connecticut will not have as many choices as those in other states. In fact, Connecticut is one of the most restrictive annuity states in the country (Not counting NY). As a result, you will need to look a little harder to find the best offers. Read more